摘要
从价值论、方法论、解释论的角度,大金融理论对于P2P网贷存在着金融理论之于金融创新的映射关系。为了开发资产端产品、盘活存量资产及迅速扩展业务领域,P2P平台的集团化是社会化大分工的大金融品格在网贷领域的体现,但受制于监管部门禁止网贷行业混业经营的限制令,P2P平台纯信息中介的“单业”模式与大金融理论以“混业”为核心的系统化金融运行体系及网贷行业指导意见相悖。网贷平台的集团化将网贷、基金、保险、信托等业务分开,满足合规要求的同时使得P2P网贷大金融理论悖论得到消解。针对网贷平台集团化、综合化的升级,金融监管路径的创新势在必行。在监管体制上,在金稳会的统筹协调下注重各监管机构之间的协作配合,以适应互联网金融混业发展的趋势,实现监管权的合理划分和相互协调;在准入监管上,应借鉴互联网金融控股公司的准入标准对综合化网贷理财平台建立多层次准入标准;在监管手段上,应突出以区块链为代表的金融科技驱动监管创新;在监管效果上,指定特定网贷集团在特定时间段内以试验性监管考察科技监管的有效性。
From the perspective of axiology,methodology and interpretative theory,the relationship between Macro-finance character and P2P lending is similar to the one between finance theory and finance innovation.In order to develop asset-side products,liquidize remnant assets and expand business quickly,Conglomeration of P2P lending platfom is a symbol of socialized division of labor.Enslaved to prohibition of mixed operation,single operation of P2P lending contradicts mixed operation in Macro-finance theory and online loan industry guidance.Financial services such as P2P lending,fund,insurance,trust and so on are separated in conglomeration of P2P lending platform,which meets the specification and solves the contradictions with Macro-finance theory.On account of conglomeration and integration of P2P lending platform,innovation of financial supervision is imperative.In terms of regulatory system,under the overall coordination of the FSF we will pay attention to the coordination and cooperation among various regulatory agencies to adapt to the trend of Internet finance mixed industry development and realize the reasonable division and mutual coordination of regulatory powers.In terms of access regulation,we should use the access standards of Internet financial holding companies for reference to establish multi-level access standards for integrated online loan financial management platform.In terms of regulatory means,financial technology represented by blockchain should be highlighted to drive regulatory innovation.In terms of supervision effect,specific online lending groups are designated to test the effectiveness of scientific and technological supervision in a certain period of time.
出处
《兰州学刊》
CSSCI
2020年第4期48-58,共11页
基金
国家社科基金西部项目“P2P网络借贷中经济犯罪治理模式研究”﹙项目编号:16XXW007﹚阶段性成果。
